{"id":23510,"date":"2021-12-02T10:01:32","date_gmt":"2021-12-02T10:01:32","guid":{"rendered":"https:\/\/www.rbcwealthmanagement.com\/en-uk\/insights\/act-now-avoid-last-minute-pension-panic\/"},"modified":"2026-05-26T18:44:42","modified_gmt":"2026-05-26T18:44:42","slug":"act-now-avoid-last-minute-pension-panic","status":"publish","type":"post","link":"https:\/\/www.rbcwealthmanagement.com\/en-uk\/insights\/act-now-avoid-last-minute-pension-panic","title":{"rendered":"Act now to avoid a last-minute pension panic"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">Many people assume things will work out when they get older, which is why we often ignore advice to exercise more, drink less alcohol and save instead of spend our money. Unfortunately, this isn\u2019t always the case, and many of us look back wishing we\u2019d done things differently.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">This is especially so when it comes to preparing financially for the future. Our <a href=\"https:\/\/www.rbcwealthmanagement.com\/en-uk\/insights\/how-avoid-uks-biggest-savings-regrets\">recent survey<\/a> found 31% of respondents wished they\u2019d contributed more to their pension when they were in their 30s and 40s. However, this rose to 36% among those aged 55 to 64 \u2013 ten percentage points higher than among those aged 45 to 54<sup>1<\/sup>. It would appear that \u2018pension panic\u2019 sets in during the decade or so before retirement, with respondents wishing they had acted earlier to ensure they could enjoy life after work.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">So, how could you avoid a last-minute pension panic? If you\u2019re still a long way from retirement, then saving regularly into a pension now could help you build up a substantial pot of money at retirement, thanks to the power of tax relief and compound returns. Meanwhile, if you\u2019re in your 50s, rest assured it\u2019s never too late to get started \u2013 with careful financial planning, you could still save up enough to pay for the retirement you\u2019ve been dreaming of.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-why-pension-saving-matters\">Why pension saving matters<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Pensions are an extremely effective way of saving for longer-term goals. Each time you pay into a personal pension, you receive basic rate tax relief of 20%, meaning a \u00a3100 pension contribution only costs you \u00a380. If you\u2019re a higher or additional rate taxpayer you can claim further tax relief of up to 20% and 25%, respectively, via your tax return.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">You can\u2019t withdraw money from a pension until you reach age 55 (57 from April 2028). While you must be certain you won\u2019t need access to the money before then, it means you won\u2019t be tempted to splash the cash on little luxuries. Over the long term, your money will have the opportunity to benefit from <a href=\"https:\/\/www.rbcwealthmanagement.com\/en-uk\/insights\/what-does-compounding-do-my-investments\">compound returns<\/a>, where you get a return on your previous returns as well as on your initial capital.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-starting-early-reaps-rewards\">Starting early reaps rewards<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Compounding is particularly powerful if you start saving and investing from an early age. For simplicity\u2019s sake, let\u2019s imagine you invested \u00a310,000 in the stock market at age 25. Our analysis shows that by age 65 your pot could be worth \u00a370,399, assuming an annual investment return of 5% net of charges and before inflation. But if you invested the same \u00a310,000 at age 45, it would grow to just \u00a326,532 \u2013 that\u2019s more than \u00a340,000 less.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A spare \u00a310,000 isn\u2019t easy to come by, but the beauty of compounding is that you could build up a substantial pot of money by saving relatively small amounts on a regular basis early on. For instance, if you invested \u00a3300 per month from age 25, you could amass a pension pot worth almost \u00a3460,000 by age 65, based on the same investment growth assumptions as above. In contrast, if you waited until you were 45, you\u2019d need to invest more than \u00a31,100 per month to achieve a similar sized pot.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-how-to-catch-up\">How to catch up<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Starting early could help you avoid a last-minute panic in your 50s. But what if you\u2019re already just a decade away from your planned retirement date? The good news is that building up a large pension pot could still be achievable, but only if you have a solid financial plan in place.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The first step, if you haven\u2019t already done so, is to consider joining your workplace pension scheme. You\u2019ll benefit from employer pension contributions in addition to making your own pension contributions, thereby helping your pot to grow faster. Paying into a workplace pension usually means you automatically get the maximum amount of tax relief available to you based on your tax rate.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Other steps to consider include diverting bonuses into your pension, and increasing pension contributions in line with any pay rises you receive. If you\u2019ve already paid off your mortgage, you could also think about putting the amount you would have spent on mortgage repayments into your pension. Over several years, these steps could make a big difference to the amount of money you have at retirement.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">It\u2019s also worth bearing in mind that pensions aren\u2019t the only source of income in retirement. If you\u2019ve saved up money in ISAs, for example, these could be a valuable and tax-efficient way of funding your retirement because withdrawals are tax free. Other income sources to consider include the state pension, savings accounts, and property income.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-next-steps\">Next steps<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Everyone has a moment when they realise how much they need to save to pay for the retirement they desire. It\u2019s a scary moment, but the sooner this happens, the better your chances are of a secure financial future. A financial adviser can help you get started, ensure you\u2019re not making any costly mistakes, and give you peace of mind you\u2019re doing all you can to avoid a pension panic later on. Take control of your finances by <a href=\"https:\/\/www.rbcwealthmanagement.com\/en-uk\/private-clients\/our-services\/financial-planning-and-advice\">speaking to one of our financial advisers<\/a> today.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><sup>1<\/sup> Survey by Findoutnow, 2084 respondents, on 16 June 2021 to 17 June 2021.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>The value of investments, and any income from them, can fall and you may get back less than you invested. Tax treatment depends on the individual circumstances of each client and may be subject to change in the future. Neither simulated nor actual past performance are reliable indicators of future performance. Information is provided only as an example and is not a recommendation to pursue a particular strategy. Information contained in this document is believed to be reliable and accurate, but without further investigation cannot be warranted as to accuracy or completeness.<\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Saving into a pension today could help you avoid a last-minute panic later. Discover why, along with tips on how to catch up.<\/p>\n","protected":false},"author":97,"featured_media":12255,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"rbcwm_post_date":"","editor_notices":[],"rbc_url_alias":"","rbcbd_featured_desktop_image_position":"","rbcbd_featured_mobile_image_position":"","footnotes":"","jetpack_post_was_ever_published":false},"categories":[801],"tags":[],"rbcwm_content_owner":[],"rbcwm_need":[770],"rbcwm_segment":[792,772],"rbcwm_solution":[758],"rbcwm_topic":[108],"rbcwm_channel":[99,781],"rbcwm_format":[779],"class_list":["post-23510","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-pensions","rbcwm_need-live-well","rbcwm_segment-corporate-executives","rbcwm_segment-individuals","rbcwm_solution-wealth-planning","rbcwm_topic-pensions-and-retirement","rbcwm_channel-private-clients","rbcwm_channel-uk-individual","rbcwm_format-article"],"acf":{"rbc_ct_service":"","rbc_ct_theme":false,"rbc_ct_topic":false,"rbcwm_subtitle":"Saving into a pension today could help you avoid a last-minute panic later. Discover why, along with tips on how to catch up.","rbcwm_post_author":"","rbcwm_custom_breadcrumb_text":"","rbcwm_custom_breadcrumb_link_url":"","rbcwm_disclaimers":{"add_disclosures":"","perspective_disclaimer":"","expandable":"","omit_from_pages":"","disclaimer_footnote":""},"rbcwm_insight_cta_id":"","rbcwm_pagination":{"next_link":"","next_link_text":"Next article","previous_link":"","previous_link_text":"Previous article"},"rbcwm_video_duration":"","article_time":4,"rbcwm_enable_toc":false},"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.5 (Yoast SEO v27.6) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Act now to avoid a last-minute pension panic | RBC Wealth Management United Kingdom<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.rbcwealthmanagement.com\/en-uk\/insights\/act-now-avoid-last-minute-pension-panic\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Act now to avoid a last-minute pension panic | RBC Wealth Management United Kingdom\" \/>\n<meta property=\"og:description\" content=\"Saving into a pension today could help you avoid a last-minute panic later. 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